JP2011054087A - Refinance processing server and refinance processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a refinance processing server and a refinance processing system capable of preventing a customer favorable in transaction status from refinancing to the other firm of the same business by refinancing to an allied financial institution to secure a continuous profit as a guarantee credit. <P>SOLUTION: The refinance processing server 1 transmits refinance guide information that refinance from a first financial institution to a second financial institution is possible to a customer terminal 18. The refinance processing server 1 acquires attribute information, transaction information and/or credit information by referring to a first customer database 12, and calculates the credibility of the customer based on these pieces of information. For the customer whose credibility exceeds a predetermined value, refinance guide information is transmitted to the customer terminal 18. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a refinancing processing server for transmitting refinancing guidance information to a customer terminal to the effect that it is possible to refinance a debt relating to the loan to another financial institution for a customer who has received a loan from a financial institution. And a refinancing processing system.

  In recent years, in the market related to personal loans, the entry of banks and the like has continued, and competition among operators has intensified. For this reason, companies that conduct business in the personal loan market have devised various methods for acquiring new customers and enclosing the acquired customers to differentiate themselves from other companies.

  As one of the enclosing methods, for the purpose of preventing the outflow of customers, a debtor who has a high possibility of default is extracted, and a web page that accepts a change in contract contents to the debtor By sending an e-mail or other URL containing the URL, the repayment plan simulation result when the contract contents are changed is sent to the debtor who accesses the WEB page, and the debtor who agrees to the change is changed. It is disclosed that a contract is made with the later contents (see, for example, Patent Document 1).

  In addition, as a receivables assignment system that can change the payment conditions of receivables to installments, a creditor selling method that allows creditors to send conversion information about the contents of receivables to a third party and match the contents of the receivable with the transfer conditions of the third party The third party creates new payment terms and transfers them from the creditor to the debtor based on the result of the matching under the transfer terms. When the debtor accepts the payment terms, the third party A receivable assignment system including a receivable purchase means for acquiring the content of a receivable as it is is disclosed (see, for example, Patent Document 2).

JP 2002-329065 A JP 2004-126916 A

  However, with the technology disclosed in Patent Document 1, it is possible to avoid a debtor who has a high probability of defaulting from starting a transaction with another business operator. There is still a possibility of refinancing to another company with better contract terms. Similarly, the technique disclosed in Patent Document 2 cannot enclose customers with good transaction status.

  The present invention transmits to a customer terminal refinancing guidance information indicating that it is possible to refinance the debt related to the loan to the second financial institution to the customer who receives the loan from the first financial institution. Refinancing server, attribute information relating to customer attributes, first transaction information relating to the course of transactions between the customer and the first financial institution for the loan, and / or a plurality of customer financial institutions in the past Customer information acquisition means for acquiring first credit information relating to the borrowing status from the first customer database, and attribute information, first transaction information, and / or first credit information acquired by the customer information acquisition means. Therefore, the credit quality calculation means for calculating the credit quality and the customer who has a credit value calculated by the credit quality calculation means exceeding the predetermined value are used for refinancing to the second financial institution. Refinance guidance information relates to refinance processing server and a refinancing guide information transmitting means for transmitting to the customer terminal having the the customer.

  In the refinancing server according to the present invention, a financial institution (hereinafter referred to as a first financial institution) currently providing a loan to a customer and another financial institution (hereinafter referred to as a second financial institution) In case of a business alliance with a guarantee, etc., the new contract conditions assumed by the second financial institution are shown to the obligor (customer) with good attributes and transaction status, and the second financial institution Refinancing guidance can be provided to prevent customers from refinancing to other companies in the same industry, and even the first financial institution can continue to secure profits as guaranteed loans. Traditionally, banks that do not have much know-how about unsecured personal loans (equivalent to a second financial institution) are non-banks (first financial (Equivalent to an institution) provides loan guarantees for individuals while receiving guarantees and know-how. In such cases, non-bank know-how is used to calculate credit limits, interest rates, etc., while non-bank guarantees receivables, while a part of the profits obtained by banks lending to customers are used as guarantee fees. A partnership has been made to provide non-banks. If such a partnership exists between the first financial institution and the second financial institution, the second refinancing that occurs as a result of refinancing from the first financial institution to the second financial institution. Since a part of the profit of the financial institution is returned as the profit of the first financial institution, the profit can be maintained also in the first financial institution.

  In addition, the customer for whom the refinancing guidance information is transmitted includes attribute information regarding the customer's attributes, first transaction information (transaction information regarding the progress of the transaction between the customer and the first financial institution), first credit information ( In order to provide refinancing information for customers whose credit rating calculated based on the customer's credit status from multiple financial institutions in the past exceeds a predetermined value, Enclosure is possible.

  In the present invention, when refinancing application information receiving means for receiving refinancing application information, which is an indication of customer's desire to refinance, from the customer terminal, and when refinancing application information is received by the refinancing application information receiving means, the customer information acquiring means According to the loan contract with the second financial institution when the debt related to the loan from the first financial institution is refinanced to the second financial institution according to the acquired attribute information and / or the first transaction information It is preferable to provide contract condition calculation means for calculating the contract condition.

  With this configuration, when the refinancing processing server receives the refinancing application information from the customer terminal, it refinances from the first financial institution to the second financial institution according to the attribute information and the first transaction information. Since the contract condition for the loan contract with the second financial institution at the time is calculated, the contract condition is calculated when the customer desires to refinance and the result is notified to the customer.

  In the present invention, the contract information transmitting means for transmitting the contract information including the contract condition calculated by the contract condition calculating means to the customer terminal, and the contract condition acceptance information which is an intention to accept the customer contract condition are received from the customer terminal. When the contract condition acceptance information receiving means and the contract condition acceptance information receiving means receive the contract condition acceptance information, the customer information related to the customer is transmitted to the refinancing destination server or the refinancing destination terminal of the second financial institution. It is preferable to provide customer information transmission means.

  With such a configuration, when contract information including contract conditions is transmitted to the customer terminal and contract condition acceptance information, which is an indication that the customer accepts the contract conditions, is received, the customer information about the customer is changed. Since it is sent to the refinancing destination server or the refinancing destination terminal, when the customer confirms the contract conditions and finally decides to refinance, the second financial institution that is the refinancing destination is notified of the fact. It will be.

  In the present invention, when the refinancing application information receiving means receives the refinancing application information, the second credit information relating to the current borrowing status of the customer from the plurality of financial institutions is used as the second credit information regarding the borrowing status of the customer from the plurality of financial institutions. Information obtained by referring to the credit information server storing the information, the attribute information obtained by the customer information obtaining means, and / or the first transaction information, and the second obtained by the credit information inquiry means. Refinancing availability judgment means for judging whether or not refinancing to a second financial institution is possible based on the credit information of the bank, and refinancing to a second financial institution is possible by the refinancing availability judging means If it is determined that the contract condition calculation means, the attribute information acquired by the customer information acquisition means and / or the first transaction information and the credit information In accordance with the second credit information obtained by means, calculate the contract conditions for the loan agreement with the second financial institution when the debt related to the loan from the first financial institution is refinanced to the second financial institution It is preferable.

  With this configuration, the credit information server is inquired of the second credit information (credit information regarding the borrowing status of the customer from a plurality of financial institutions at present) only to the customer who has transmitted the application information. Customers who did not apply to determine whether refinancing to a second financial institution is possible based on the second credit information as well as attribute information and first transaction information It is possible to avoid the inquiry of the credit information regarding the contract, and it is possible to determine whether or not the contract is possible more accurately. In addition, since the contract conditions for the loan agreement with the second financial institution when refinancing from the first financial institution to the second financial institution are calculated according to the second credit information, It is possible to calculate the contract conditions that reflect the borrowing status at financial institutions.

  In the present invention, when a customer has made a deposit or mortgage transaction with a second financial institution, or has made a transaction in the past, a past transaction between the customer and the second financial institution. Transaction information receiving means for receiving the second transaction information from the second customer database in which the second transaction information relating to the progress of the transaction is received, and when the refinancing application information is received by the refinancing application information receiving means, the customer information acquiring means It is preferable to include refinancing availability determination means for determining whether refinancing to a second financial institution is possible based on the acquired attribute information and the second transaction information received by the transaction information receiving means. .

  By adopting such a configuration, when the customer conducts a transaction with the second financial institution, or when the customer has conducted the transaction, the refinancing processing server can receive the second transaction information (the customer and the second financial institution). Receiving information from the second customer database (customer database at the second financial institution) from the second customer database (transaction information on the history of past transactions with the institution) and refinancing to the second financial institution based on the second transaction information Therefore, it is possible to refinance to customers with better transaction status and to reflect the second transaction information in the contract conditions.

  In the present invention, when the customer is making a transaction with the second financial institution, or when the customer has made a transaction, the second transaction information relating to the progress of the transaction between the customer and the second financial institution is stored. Transaction information receiving means for receiving second transaction information from the second customer database, the contract condition calculation means is attribute information acquired by the customer information acquisition means, and second information received by the transaction information receiving means According to the transaction information, it is preferable to calculate a contract condition regarding a loan contract with the second financial institution when the debt related to the loan from the first financial institution is refinanced to the second financial institution.

  By adopting such a configuration, when the customer is doing business with the second financial institution, or when doing business, the refinancing processing server receives the second transaction information from the second customer database. In order to determine whether it is possible to refinance to the second financial institution based on the received second transaction information, it is possible to calculate the contract conditions reflecting the transaction status at the second financial institution It becomes possible.

  In the present invention, according to the attribute information acquired by the customer information acquisition means, the first transaction information, and / or the first credit information, the customer is responsible for the debt relating to the loan from the first financial institution, the second financial institution. Expected contract conditions including the expected credit limit expected as the maximum borrowable amount and the expected interest rate expected as the interest rate in the loan contract in the loan contract with the second financial institution when refinancing It is preferable to include expected contract condition calculation means for calculating the expected contract condition and means for transmitting the expected contract condition calculated by the expected contract condition calculation means to the customer terminal.

  With this configuration, according to the attribute information, the first transaction information, and the first credit information, with the second financial institution when refinancing from the first financial institution to the second financial institution Since the expected credit limit and the expected interest rate in the loan contract are calculated, the customer can determine whether to apply for refinancing based on the expected credit limit and the expected interest rate.

  In the present invention, the contract condition calculation means includes a credit limit in a loan contract with the second financial institution when the customer refinances the debt related to the loan from the first financial institution to the second financial institution, and The contract condition including the interest rate in the loan contract is calculated. The expected credit limit and the expected interest rate calculated by the expected contract condition calculation means are compared with the credit limit and the usage interest rate calculated by the contract condition calculation means. As a result of the comparison between the condition comparison means and the condition comparison means, if the credit limit is equal to or greater than the expected credit limit and the interest rate is less than the expected interest rate, the contract information transmission means to the customer terminal The refinancing destination server or the second financial institution that has the customer information about the customer without transmitting and receiving the contract condition acceptance information by the contract condition acceptance information receiving means. It is preferable to provide a second customer information transmitting means for transmitting to the refinancing destination terminal.

  With this configuration, when the credit limit is greater than or equal to the expected credit limit and the usage interest rate is less than or equal to the expected interest rate, the contract information is not transmitted to the customer terminal, and the customer related to the customer Since the information is transmitted to the refinancing destination server or the refinancing destination terminal, it is possible to save the customer from the trouble of operating the customer terminal and also to reduce the processing load of the refinancing processing server.

  In the present invention, the customer information includes the loan amount financed to the customer from the first financial institution, and the same amount as the loan amount included in the customer information is paid from the refinancing destination server or the refinancing destination terminal. It is preferable to include payment information receiving means for receiving payment information for performing the payment from the second financial institution to the first financial institution.

  With such a configuration, refinancing from the first financial institution to the second financial institution is automatically performed.

  In the present invention, the credit quality calculation means calculates attribute points according to the attributes of the customer included in the attribute information, and according to the progress of the transaction between the customer and the first financial institution included in the first transaction information. The transaction point is calculated, and the ratio of the customer's annual income included in the attribute information to the total amount of borrowings from the customer's multiple financial institutions included in the first credit information and the first credit information Calculate credit information points according to the number of financial institutions that customers are borrowing, and calculate the credit value by adding the calculated attribute points, transaction points, and / or credit information points. Is preferred.

  With this structure, credit information points are not calculated based on whether the total amount of borrowings from other financial institutions is large or small, but based on whether borrowings are made according to annual income. Since credit information points are calculated, it becomes possible to calculate a more accurate credit rating.

  In the present invention, the credit quality calculation means calculates attribute points according to the attributes of the customer included in the attribute information, and according to the progress of the transaction between the customer and the first financial institution included in the first transaction information. The transaction point is calculated, and the ratio of the company size and family structure of the customer's workplace included in the attribute information to the total amount of borrowings from the customer's multiple financial institutions included in the first credit information; and , Credit information points were calculated according to the number of financial institutions borrowed by the customer included in the first credit information, and the calculated attribute points, transaction points and / or credit information points were added It is preferable to calculate the value as a credit rating.

  By adopting such a configuration, attribute points are not calculated based on whether the employment form is a regular employee or a self-employed person, but based on the company size and family structure. Since it is calculated, it becomes possible to calculate a more accurate credit rating.

  Furthermore, the present invention provides the customer terminal with refinancing guidance information indicating that it is possible to refinance the debt relating to the loan to the second financial institution for the customer who receives the loan from the first financial institution. A refinancing processing system comprising: a refinancing processing server to be transmitted; and a customer terminal capable of communicating with the refinancing processing server via a communication network, wherein the refining processing system includes attribute information relating to customer attributes, the customer and the first finance for the loan Refinancing is provided with a first customer database in which first transaction information relating to the progress of transactions with institutions and / or first credit information relating to borrowing status of customers from a plurality of financial institutions in the past is stored. A processing server that acquires attribute information, first transaction information, and / or first credit information from a first customer database; A credit quality calculating means for calculating the credit quality according to the attribute information, the first transaction information and / or the first credit information acquired by the information acquiring means, and a customer whose credit calculated by the credit quality calculating means exceeds a predetermined value. Refinancing guidance information transmitting means for transmitting refinancing guidance information relating to refinancing guidance to the second financial institution to the customer terminal possessed by the customer, and refinancing application information which is an intention indication that the customer wishes to refinance. When the refinancing application information receiving means received from the customer terminal and the refinancing application information receiving means receive the refinancing application information, according to the attribute information and / or the first transaction information acquired by the customer information acquiring means, the first A loan agreement with a second financial institution when refinancing debt from a financial institution to a second financial institution Refinancing application information according to the input to the customer terminal by the customer and the refinancing guidance information receiving means for receiving the refinancing guidance information from the refinancing processing server. The present invention relates to a refinancing processing system including refinancing application information transmitting means for transmitting to a server.

  The present invention further includes a refinancing destination server or a refinancing destination terminal of the second financial institution, and the refinancing processing server transmits contract information including contract conditions calculated by the contract condition calculating means to the customer terminal. Receiving the contract condition acceptance information by the means, the contract condition acceptance information receiving means for receiving from the customer terminal the contract condition acceptance information which is an intention to accept the customer's contract conditions, and the contract condition acceptance information receiving means. First customer information transmitting means for transmitting customer information about the customer to the refinancing destination server or the refinancing destination terminal, the customer terminal receiving the contract information from the refinancing processing server, and the customer terminal by the customer The contract condition acceptance information transmitting means for transmitting the contract condition acceptance information to the refinancing processing server according to the input of the customer information, The refinancing destination server or the refinancing destination terminal received the customer information from the refinancing processing server and the customer information receiving means and the customer information receiving means. It is preferable to include payment information transmitting means for transmitting payment information for making payment equal to the loan amount included in the customer information from the second financial institution to the first financial institution.

  According to the present invention, when a financial institution that currently provides a loan has a business alliance with another financial institution for guaranteeing a receivable, a customer with a good attribute and transaction status can be In order to show new contract conditions assumed in contracts with financial institutions and to provide refinancing guarantees to other financial institutions that are guarantee partners, refinancing customers with good business conditions to other companies in the same industry It is possible to prevent and secure a continuous profit as a guarantee receivable.

It is a block diagram which shows the structure of the refinancing processing system concerning embodiment of this invention. It is a flowchart regarding the refinancing guidance process concerning 1st embodiment of this invention. It is a flowchart regarding refinancing processing from the first financial institution to the second financial institution according to the embodiment of the present invention. It is a figure which shows the relationship between a customer's working form and an attribute reference | standard point. It is a figure which shows the relationship between a customer's transaction status and transaction points. It is a figure which shows the relationship between credit information and a credit information reference point. It is a flowchart regarding the refinancing guidance process concerning 2nd embodiment of this invention.

  FIG. 1 is a block diagram showing a configuration of a refinancing processing system according to an embodiment of the present invention. The refinancing server 1 includes a control unit 11 (comprising a CPU (Central Processing Unit), a RAM (Random Access Memory), a hard disk drive (HDD), etc.), and an information receiving means 2 (receiving information from other computer devices). Receiving means, which is a concept including refinancing application information receiving means, contract condition acceptance information receiving means, transaction information receiving means, payment information receiving means), information transmitting means 3 (means for transmitting information to other computer devices) The concept includes refinancing guidance information transmission means, contract information transmission means, first customer information transmission means, second customer information transmission means, and expected contract condition transmission means), customer information acquisition means 4, credit rating calculation Means 5, contract condition calculation means 6, credit information inquiry means 7, refinancing judgment 8, the expected terms calculating means 9 controls each processing means of the condition comparison unit 10. The CPU of the control unit 11 executes a program stored in the HDD and controls the refinancing processing server 1. RAM is a work area of the CPU. The HDD is a storage area for storing programs and data. The CPU reads data necessary for control of the refinancing processing server 1 from the RAM and performs processing. The refinancing processing server 1 is connected to the communication network 19 by wire and can communicate with other computer devices. The refinancing processing server 1 can also perform wireless communication via a communication unit.

  The refinancing processing server 1 transmits to the customer terminal 18 refinancing guidance information indicating that it is possible to refinance from the first financial institution to the second financial institution. In the first customer database 12, in addition to the customer's name, age, address, telephone number, date of birth, membership number, attribute information (for example, annual income, customer occupational form, company at work, scale of company at work) , Information on family structure), first transaction information (for example, information on current repayment status, information on the number of occurrences of delinquency in the past due to repayment date), and / or first credit information ( For example, information on the amount of borrowing of a customer from a plurality of financial institutions and the number of financial institutions on which the customer borrows is stored, and the refinancing processing server 1 uses the customer information acquisition means 4 to By referring to the customer database 12, the attribute information, the first transaction information, and / or the first credit information is acquired. In addition, the 1st credit information memorize | stored in the 1st customer database 12 is updated regularly by inquiring the credit information server 14 with a frequency of about once every three months, for example. Then, the credit quality is calculated by the credit quality calculation means 5 according to the first transaction information and / or the first credit information, and the refinancing guidance information is transmitted to the customer by the refinancing guidance information transmission means for a customer whose credit rating exceeds a predetermined value. It is transmitted to the terminal 18. The customer terminal 18 receives the refinancing guidance information transmitted from the refinancing processing server 1. The customer operates the customer terminal 18 and transmits the refinancing application information, which is an intention display requesting refinancing, from the customer terminal 18 to the refinancing processing server 1.

  If the customer desires when the refinancing guidance information is transmitted, the expected contract condition calculation means 9 can calculate the expected credit limit and the expected interest rate when the refinancing is performed. The calculated expected contract condition is transmitted to the customer terminal 18 by the expected contract condition transmitting means, and is used as a material for determining whether or not the customer applies for refinancing.

  When the refinancing processing server 1 receives the refinancing application information by the refinancing application information receiving means, the second credit information regarding the borrowing status of the customer from a plurality of financial institutions at present is received by the credit information inquiry means 7 by the credit information server 14. It is obtained by referring to. Based on the attribute information, the first transaction information, the second credit information, the contract availability condition received in advance from the second financial institution, etc., the second financial institution It is determined whether or not refinancing is possible. If the refinancing permission determining means 8 determines that refinancing is possible, the contract condition calculating means 6 determines the loan contract with the second financial institution according to the attribute information, the first transaction information, and the second credit information. Contract terms for are calculated.

  If the customer has made a deposit or mortgage transaction with a second financial institution, determine whether to refinance based on the second transaction information regarding the course of the transaction between the customer and the second financial institution A refinancing determination by means 8 is made. Furthermore, based on the second transaction information (for example, information on the current repayment status, the number of times the repayment date was not repaid in the past, the contract condition calculation means 6 calculates the contract condition). Done. In this case, the second transaction information is received from the second customer database 17 by the transaction information receiving means.

  The contract information including the contract conditions calculated by the contract condition calculation means 6 is transmitted to the customer terminal 18 by the contract information transmission means. When the customer accepts the contents of the contract condition, the customer operates the customer terminal 18 to transmit the contract condition acceptance information, which is an intention to accept the contract condition, to the refinancing processing server 1. In the refinancing processing server 1, when the contract condition acceptance information is received by the contract condition acceptance information receiving means, the customer information is sent to the refinancing destination server 15 or the refinancing destination terminal 16 of the second financial institution by the customer information transmitting means. The The customer information includes a loan amount that the first financial institution provides to the customer. When customer information is received by the refinancing destination server 15 or the refinancing destination terminal 16, the same amount as the loan amount is paid from the second financial institution to the first financial institution from the refinancing destination server 15 or the refinancing destination terminal 16. Payment information is transmitted to the refinancing processing server 1.

  Next, refinancing guidance processing according to the first embodiment of the present invention will be described. FIG. 2 is a flowchart regarding refinancing guidance processing according to the first embodiment of the present invention. First, the customer who transmits refinancing guidance information is extracted in the refinancing processing server 1 (step S1). As already described, customers whose credit calculated by the credit calculating unit 5 exceeds a predetermined value are extracted. Thereafter, processing is performed on the extracted customer.

  The extracted customer transmits refinancing guidance information to the customer terminal 18 (step S2). The refinancing guidance information is usually transmitted in an e-mail format. A mail address is stored in the first customer database 12, and the mail address of the customer is a transmission destination. Further, the contents of the e-mail are automatically created using the customer's name and the like stored in the first customer database 12.

  The customer terminal 18 receives the refinancing guidance information (e-mail) (step S3). The customer confirms the content of the refinancing guidance information and determines whether or not to apply for refinancing. In the transmitted e-mail, a hyperlink to a predetermined URL is set so that a Web page for refinancing application can be accessed. By accessing this Web page, it is possible to easily transmit the refinancing application information to the refinancing processing server 1. When the customer transmits the refinancing application information by operating the customer terminal 18 (step S4), the refinancing application server 1 receives the refinancing application information (step S5). If the customer does not transmit the refinancing application information within a predetermined period, it becomes impossible to access the URL for which the hyperlink is set. Therefore, if the refinancing application information is not transmitted within a predetermined period, the refinancing guidance process is ended.

  When the refinancing application server 1 receives the refinancing application information, the credit information server 14 is queried for credit information (step S6), and the second credit relating to the borrowing status of the customer at the current financial institution. Information can be acquired. The credit information server 14 stores, for each customer, the number of financial institutions that the customer is currently borrowing and the amount of the borrowing. The credit information server 14 stores the name, date of birth, telephone number, etc. of the customer. The credit information can be inquired by sending it to 14.

  Next, second transaction information is inquired to the second customer database 17 (step S7), and attribute information and first transaction information are inquired to the first customer database 12 (step S8). And whether refinancing to the second financial institution is possible based on the attribute information, the first transaction information or the second transaction information, and the second credit information inquired in steps S6 to S8. Is determined (step S9). Whether or not refinancing to a second financial institution is possible is determined by, for example, using a method similar to that used when a customer whose credit rating is equal to or higher than a predetermined value is extracted as a target for transmitting refinancing guidance information. it can. That is, the creditworthiness is calculated, and when the creditworthiness is less than a predetermined value, it is determined that refinancing is not possible. When the creditworthiness is equal to or higher than the predetermined value, it is determined that refinancing is possible. Further, not only the credit quality but also a contract availability condition such as an attribute may be received in advance from a second financial institution, and the refinancing availability may be determined based on that condition.

  If it is determined in step S9 that refinancing is not possible, information indicating that refinancing is not possible is transmitted to the customer terminal 18 (for example, by e-mail) (step S10), and the refinancing guidance process is terminated.

  In step S9, for the customers determined to be refinable, the contract conditions for refinancing to the second financial institution are calculated (step S11). The contract condition is calculated based on the attribute information, the first transaction information or the second transaction information, and the second credit information, which are inquired in steps S6 to S8.

  When the contract conditions are calculated, contract information including the contract conditions is transmitted from the refinancing server 1 to the customer terminal 18 (step S12) and received by the customer terminal 18 (step S13). The customer checks the contents of the contract information and determines whether or not to accept the contract conditions. The contract information is usually transmitted in the form of e-mail. In the transmitted e-mail, a hyperlink to a predetermined URL is set so that a Web page for notifying that the contract condition is accepted can be accessed. By accessing this Web page, it is possible to easily transmit contract acceptance information to the refinancing processing server 1. When the customer transmits the contract acceptance information by operating the customer terminal 18 (step S14), the refinancing processing server 1 receives the contract acceptance information (step S15). If the customer does not transmit the contract acceptance information within a predetermined period, the URL to which the hyperlink is set cannot be accessed.

  When the contract acceptance information is received in step S15, a guarantee number is assigned and a process for switching from a normal claim to a guarantee claim is performed (step S16). In other words, information related to customer claims managed in the first database 12 is managed in the guarantee database 13. It is also possible to manage the refinanced receivable as a guaranteed receivable by setting a guarantee flag in the first customer database 12 instead of the guaranteed database 13. Then, the customer information about the customer refinancing to the second financial institution is transmitted to the refinancing destination server 15 or the refinancing destination terminal 16 (step S17), and refinancing processing from the first financial institution to the second financial institution is performed. Executed. Since the first financial institution has already confirmed the identity, there is no need to confirm the identity of the customer again when refinancing to the second financial institution. However, after completion of these series of processing, the customer needs to separately prepare an application form for concluding a loan contract with the second financial institution and submit it to the second financial institution.

  Next, refinancing processing from the first financial institution to the second financial institution is executed. FIG. 3 is a flowchart regarding refinancing processing from the first financial institution to the second financial institution according to the embodiment of the present invention. First, when a customer submits an application form for concluding a loan contract with a second financial institution to the second financial institution, information on the contract conclusion (that the contract procedure has been completed) is transmitted from the refinancing destination server 15. (Step S21), information related to contract conclusion is received by the refinancing processing server 1 (Step S22). The refinancing server 1 calculates the principal (loan amount) and interest of the loan receivable loaned to the customer by the first financial institution (step S23). The calculated loan amount and interest of the loan receivable are transmitted to the refinancing destination server 15 (step S24) and received by the refinancing destination server 15 (step S25). The refinancing destination server 15 executes a lending process equivalent to the loan amount in the first financial institution and an interest reimbursement process (step S26). In order to simplify the refinancing procedure, the interest accrued up to the refinancing will be reimbursed by the second financial institution and received from the customer on the first payment date after the refinancing. In addition, there will be no further interest on the reimbursed interest. When the advance processing is executed, the loan amount and interest payment information is transmitted from the refinancing destination server 15 (step S27), and the refinancing processing server 1 receives the loan amount and interest payment information (step S28). The refinancing process from the first financial institution to the second financial institution is completed.

  Next, refinancing guidance processing according to the second embodiment of the present invention will be described. FIG. 7 is a flowchart regarding refinancing guidance processing according to the second embodiment of the present invention. First, the customer who transmits refinancing guidance information is extracted in the refinancing processing server 1 (step S31). As already described, customers whose credit calculated by the credit calculating unit 5 exceeds a predetermined value are extracted. Thereafter, processing is performed on the extracted customer.

  The extracted customer transmits refinancing guidance information to the customer terminal 18 (step S32). The refinancing guidance information is usually transmitted in an e-mail format. A mail address is stored in the first customer database 12, and the mail address of the customer is a transmission destination. In addition, the contents of the e-mail are automatically created using the customer's name and the like stored in the first customer database 12.

  The customer terminal 18 receives the refinancing guidance information (e-mail) (step S33). The customer who has received the refinancing guidance information makes a determination as to whether or not to request calculation of the expected contract conditions (expected credit limit and expected interest rate). In the transmitted e-mail, a hyperlink to a predetermined URL is set so that a web page for requesting calculation of the expected contract condition can be accessed. Then, by accessing this Web page, it is possible to transmit calculation request information for expected contract conditions to the refinancing processing server 1. If the customer does not transmit the expected contract condition calculation request information within a predetermined period, the series of processing ends.

  When calculation request information for expected contract conditions is transmitted at the customer terminal 18 (step S34), the expected credit limit when refinancing from the first financial institution to the second financial institution at the refinancing processing server 1 is performed. An expected interest rate is calculated (step S35). The expected credit limit and the expected interest rate are calculated based on the attribute information, the first transaction information, and the first credit information. Because the expected credit limit and the expected interest rate are calculated based on the first credit information, that is, calculated based on the credit information acquired when the credit information server 14 was referred to in the past, It does not reflect the borrowing status of multiple customers by a financial institution, and is used only as an expected contract condition.

  When the expected contract condition is calculated, the predicted contract information including the expected contract condition is transmitted to the customer terminal 18 (step S36). The expected contract information is usually transmitted in an e-mail format. The customer terminal 18 receives the expected contract information (step S37), and the customer confirms the expected contract conditions, that is, the expected credit limit and the expected interest rate, and determines whether or not to send the refinancing application information. It becomes possible. Here, the customer is confirmed whether or not the expected contract condition is calculated after the refinancing guidance information is transmitted. However, when the customer who transmits the refinancing guidance information is extracted in step S31, the expected contract condition is determined. It is also possible to adopt a configuration that calculates and transmits the information together with refinancing guidance information.

  When the customer operates the customer terminal 18 to transmit the refinancing application information (step S38), the refinancing application server 1 receives the refinancing application information (step S39). Further, the refinancing application information is also received by the refinancing destination server 15 or the refinancing destination terminal 16 via the refinancing processing server 1 (step S40). If the customer does not transmit the refinancing application information within a predetermined period, it becomes impossible to access the URL for which the hyperlink is set. Therefore, if the refinancing application information is not transmitted within a predetermined period, the refinancing guidance process is ended.

  When the refinancing application server 1 receives the refinancing application information, the credit information server 14 is inquired of the second credit information (step S41), and the credit regarding the borrowing status of the customer at the current financial institution is obtained. Information can be acquired.

  Next, the refinancing processing server 1 requests the refinancing destination server 15 to inquire about the second transaction information (step S42), and the refinancing destination server 15 that has received the request makes an inquiry to the second customer database 17 ( Furthermore, the second transaction information is transmitted from the refinancing destination server 15 to the refinancing processing server 1 (step S44). The second transaction information is inquired by sending the customer's name, date of birth, and telephone number to the refinancing destination server 15, and the same if the name, date of birth, and telephone number all match. Judged as a person.

  When the customer's second transaction information is acquired in the refinancing processing server 1 (step S45), the first customer database 12 is further inquired for attribute information and first transaction information (step S46). . Then, the contract condition when refinancing to the second financial institution is calculated (step S47). The contract condition is calculated based on the attribute information, the first transaction information or the second transaction information, and the second credit information, which are inquired in steps S41, S43, and S46.

  When the contract conditions are calculated, the refinancing server 1 transmits the customer attribute information and the contract information including the contract conditions to the refinancing destination server 15 (step S48). Is determined (step S49). The determination result information regarding the determination result of whether or not the contract is acceptable is transmitted from the refinancing destination server 15 (step S50) and received by the refinancing processing server 1 (step S51). If the result of determination in step S49 is that a contract with the second financial institution is not possible ("NO" in step S52), a notification that refinancing is not possible is sent to the customer terminal 18. When the customer terminal 18 receives a notification that refinancing is not possible (step S53), the process ends.

  Here, the contract conditions are calculated by the refinancing server 1 of the first financial institution, and the second financial institution contracts with the customer based on the contract conditions. A configuration may be adopted in which a guarantee condition is calculated instead of the contract condition, the second financial institution determines the contract condition based on the guarantee condition, and contracts with the customer. Here, the guarantee conditions are the conditions under which the first financial institution can guarantee the receivables against the second financial institution, and mainly the upper limit allowable for the credit limit by the first financial institution. This is a concept that includes the lower limit of the interest rate acceptable to the first financial institution. For example, the upper limit of the credit limit can be calculated by the refinancing processing server 1, and the second financial institution can determine the credit limit within this range. As one method for achieving this configuration, after the refinancing server 1 calculates the guarantee conditions in step S47, the second financial institution is determined according to the predetermined contract condition determination method for the second financial institution. Instead, there is a method to calculate the credit limit. As another method, in the determination in step S49, the second financial institution (the refinancing destination server 15) not only determines whether the contract is acceptable, but also based on the guarantee condition calculated by the refinancing processing server 1. One way is to calculate the contract terms. In this case, the upper limit of the credit limit is calculated by the refinancing processing server 1, and the second credit limit is reduced from the upper limit based on the upper limit of the credit limit. The financial institution (the refinancing destination server 15) can change the contract conditions.

  On the other hand, if the result of determination in step S49 is that a contract with the second financial institution is possible (“YES” in step S52), whether the expected contract condition is a condition that is more disadvantageous for the customer than the contract condition. A determination is made (step S54). In step S54, the credit limit amount in the contract condition is compared with the expected credit limit amount in the expected contract condition, and the usage interest rate in the contract condition is compared with the expected interest rate in the expected contract condition. As a result of the comparison, if the actual credit limit is less than the expected credit limit or the actual usage interest rate is higher than the expected interest rate (“YES” in step S54), the contract condition is included from the refinancing server 1. The contract information is transmitted to the customer terminal 18 and received at the customer terminal 18 (step S55). The customer checks the contents of the contract information and determines whether or not to accept the contract conditions. The contract information is usually transmitted in the form of e-mail. In the transmitted e-mail, a hyperlink to a predetermined URL is set so that a Web page for notifying that the contract condition is accepted can be accessed. When the customer transmits the contract acceptance information by operating the customer terminal 18 (step S56), the refinancing server 1 receives the contract acceptance information (step S57). If the customer does not transmit the contract acceptance information within a predetermined period, the URL to which the hyperlink is set cannot be accessed.

  When the actual credit limit is equal to or greater than the expected credit limit and the actual interest rate is equal to or lower than the expected interest as a result of the comparison between the contract condition and the expected contract condition in step S54 ("NO" in step S54) The refinancing process from the first financial institution to the second financial institution proceeds without transmitting the contract information to the customer terminal 18. Since the customer applies for refinancing guidance to the second financial institution after confirming the expected contract conditions, the actual credit limit is greater than the expected credit limit and the actual interest rate is expected If it is below the interest rate, there is no disadvantage to the customer without reconfirming the customer. Therefore, it is possible to save the trouble of operating the customer terminal 18 of the customer, and also to reduce the processing load of the refinancing processing server 1.

  In step S57, the contract acceptance information is received, or in step S54, the actual credit limit is equal to or greater than the expected credit limit, and the actual usage interest rate is equal to or less than the expected interest rate. If it is determined that the process of refinancing from the first financial institution to the second financial institution can be proceeded without sending a guarantee number, a guarantee number is assigned, and switching from a normal receivable to a guaranteed receivable Processing is performed (step S58). In other words, information related to customer claims managed in the first database 12 is managed in the guarantee database 13. Then, customer information about the customer to be refinanced is transmitted to the second financial institution (step S59), and the customer information is received by the refinancing destination server 15 (step S60). When customer information is received at the refinancing destination server 15, the refinancing process from the first financial institution to the second financial institution described above is executed in the same manner.

  Next, a method for calculating the degree of credit when extracting a customer who transmits refinancing guidance information in step S1 or step S31 will be described. The credit is calculated by adding attribute points, transaction points, and credit information points.

  First, a method for calculating attribute points will be described. The attribute points are calculated according to the customer's work type, the size of the company at which he works, and the family structure of the customer. Note that the customer's work type, the size of the company at which he / she works, and the family structure of the customer are stored in the first customer database 12. FIG. 4 is a diagram showing a relationship between a customer's working form and points serving as a reference for calculating attribute points (hereinafter referred to as attribute reference points). By obtaining the attribute reference point based on the customer's work style, and by multiplying the calculated attribute reference point by a predetermined factor determined according to the size of the customer's company or the family structure of the customer Attribute points are sought.

  According to FIG. 4, if the customer's working style is “regular employee”, the attribute reference point is 10 points, “temporary / contract employee” is 7 points, “part-time job” is 5 points, “student” ”・“ Housewife ”is 3 points, and“ Unemployed ”is 1 point. If the size of the company at work is 500 or more, it is “1.0”. If the number of employees is 200 or more and less than 500, it is “0.9”. If the number of employees is 100 or more, it is 200. Attribute points are calculated by multiplying "0.8" if the number is less than "0.7" if the number of employees is 50 or more and less than 100, and "0.6" if the number is less than 50. Is done. If the employment form is “student”, “housewife”, or “unemployed”, the attribute points are calculated without multiplying these factors. Further, when the multiplication factor to be multiplied by the attribute reference point is determined according to the family structure of the customer, “1.0” if the dependent is 0, “0.8” if the dependent is 1, An attribute point is calculated by multiplying the attribute reference point by “0.6” if there are two dependents and “0.4” if there are three or more dependents.

  Next, a method for calculating transaction points will be described. FIG. 5 is a diagram showing the relationship between the transaction status and transaction points between the customer and the first financial institution. According to FIG. 5, if the transaction with the customer is “no overdue”, the transaction point is 10 points, “one overdue” is 7 points, and “over two overdue” 5 points, 1 point for “Dunning” and “Transition to legal proceedings”. Here, “No overdue” means that the repayment amount has been repaid without being overdue during the transaction period between the customer and the first financial institution. “Once overdue” means once in the past. In this case, the repayment amount is overdue without being repaid. “Two or more arrears” refers to a case where the repayment amount has not been repaid on the trade date and has been arreared twice or more in the past. “Dunning” means that the repayment amount has not been repaid and is in arrears, and “legal proceeding” means that the loan is not repaid for a long time. This refers to the case where legal procedures are in place to recover.

  Next, a method for calculating credit information points will be described. Credit information points are the ratio of the customer's annual income included in the attribute information to the total borrowing from multiple financial institutions included in the credit information, and the financial institution that the customer included in the credit information borrows. Calculated according to the number. FIG. 6 is a diagram showing the relationship between credit information (first credit information) and points that serve as a reference for calculating credit information points (hereinafter referred to as credit information reference points). The credit information standard point required according to the number of financial institutions borrowed by this customer is determined according to the ratio of the total annual income to the total borrowing (ratio of total borrowing / annual income; hereinafter referred to as debt ratio). Credit information points are calculated by multiplying by a predetermined magnification.

  According to FIG. 6, the credit information standard point is 10 points for “other company borrowing 0”, 5 points for “other company borrowing 1”, 2 points for “other company borrowing 2”, “other company borrowing 3”. If it is “over”, it is 1 point. Here, “other company borrowing” refers to the number of borrowings from other financial institutions other than the first financial institution. For example, “other company borrowing 0” refers to borrowings from financial institutions other than the first financial institution. “Other company borrowing 1” refers to the case of borrowing from one financial institution other than the first financial institution.

  For example, when the debt ratio is less than 1/8, a credit information point is obtained by multiplying the credit information reference point calculated based on the relationship shown in FIG. 6 by “1.0”. Similarly, when the debt ratio is 1/8 or more and less than 1/7, it is “0.8”. When the debt ratio is 1/7 or more and less than 1/5, it is “0.6”. If the ratio is more than 1/5 and less than 1/3, the credit information standard point will be multiplied by "0.4", and if the debt ratio is more than 1/3, Credit information points are calculated.

  The total value of the attribute points, transaction points, and credit information points calculated in this way is creditworthiness, and is extracted as a customer who transmits refinancing guidance information when the creditworthiness is 20 points or more. However, if any one of attribute points, transaction points, and credit information points is below a predetermined point (for example, 1 point or less), even if the credit rating is 20 points or more, refinancing guidance information Is not eligible for transmission.

  For example, a full-time employee working for a company with 250 employees, a customer who has a past payment of 1 overdue, 1 borrowing from another company, a total borrowing from another company of 500,000, and an annual income of 5 million. In this case, the attribute point is “10 × 0.9”, the transaction point is “7”, and the credit information point is “5 × 1.0”, which is 21 points in total. Therefore, this customer is extracted as a customer who transmits the refinancing guidance information. Also, a full-time employee who works for a company with 1,200 employees, who has 0 past arrears in the past, 4 borrowings from other companies, a total of 600,000 borrowings from other companies, and an annual income of 3 million. In this case, the attribute point is “10 × 1.0”, the transaction point is “10”, and the credit information point is “1 × 0.4”, which is 20.4 points in total. However, since the credit information point is 0.4 point, it is not a target for transmitting the refinancing guidance information. Similarly, it is a full-time employee working for a company with 250 employees, with 0 past delinquencies in the past transaction, 1 borrowing from other companies, a total borrowing from other companies of 1.7 million, and annual income of 5 million. In this case, the attribute point is “10 × 0.9”, the transaction point is “10”, and the credit information point is “5 × 0.2”, which is 20 points in total. However, since the credit information point is one point, it is not a target for transmitting the refinancing guidance information.

  In the embodiment described above, the case where there is one second financial institution is mainly described, but the present invention can also be applied to the case where there are two or more second financial institutions. That is, the refinancing processing server 1 selects a second financial institution to be refinanced from a plurality of financial institutions according to the calculated credit value, and refinances to the selected second financial institution. Refinancing guidance information is transmitted to the customer terminal 18. In this way, financial institutions with low maximum interest rates are selected for customers with high creditworthiness, and financial institutions with slightly high maximum interest rates are selected for customers with medium creditworthiness. Refinancing to a financial institution is possible.

DESCRIPTION OF SYMBOLS 1 Refinancing process server 2 Information receiving means 3 Information transmission means 4 Customer information acquisition means 5 Credit degree calculation means 6 Contract condition calculation means 7 Credit information inquiry means 8 Refinancing availability determination means 9 Expected contract condition calculation means 10 Condition comparison means 11 Control unit 12 First customer database 13 Guarantee database 14 Credit information server 15 Refinancing destination server 16 Refinancing destination terminal 17 Second customer database 18 Customer terminal 19 Communication network

Claims (13)

A refinancing processing server that sends refinancing guidance information to the customer terminal to the effect that it is possible to refinance the debt related to the loan to the second financial institution to the customer receiving the loan from the first financial institution There,
Attribute information regarding customer attributes, first transaction information regarding the course of transactions between the customer and the first financial institution for the loan, and / or first regarding borrowing status of the customer from a plurality of financial institutions in the past Customer information acquisition means for acquiring the credit information of the customer from the first customer database;
A credit quality calculating means for calculating the credit quality according to the attribute information acquired by the customer information acquiring means, the first transaction information, and / or the first credit information;
Refinancing guidance information transmitting means for transmitting refinancing guidance information related to refinancing guidance to a second financial institution to a customer terminal possessed by the customer for a customer whose credit rating calculated by the credit rating calculating means exceeds a predetermined value. Refinancing server. Refinancing application information receiving means for receiving refinancing application information, which is an indication of customer's desire to refinance, from the customer terminal;
Upon receipt of the refinancing application information by the refinancing application information receiving means, the debt relating to the loan from the first financial institution is determined in accordance with the attribute information acquired by the customer information acquiring means and / or the first transaction information. The refinancing processing server according to claim 1, further comprising contract condition calculation means for calculating a contract condition regarding a loan contract with a second financial institution when refinancing to a financial institution. Contract information transmitting means for transmitting contract information including the contract conditions calculated by the contract condition calculating means to the customer terminal;
A contract condition acceptance information receiving means for receiving contract condition acceptance information, which is an intention to accept the customer's contract conditions, from the customer terminal;
The first customer information transmitting means for transmitting the customer information regarding the customer to the refinancing destination server or the refinancing destination terminal when the contract condition acceptance information is received by the contract condition acceptance information receiving means. 2. The refinancing server according to 2. When the refinancing application information receiving means receives the refinancing application information, the second credit information regarding the borrowing status of the customer from a plurality of financial institutions and the credit information storing the information regarding the borrowing status of the customer from a plurality of financial institutions are stored. A credit information inquiry means obtained by making an inquiry to the information server;
Is refinancing possible to a second financial institution based on the attribute information acquired by the customer information acquisition means and / or the first transaction information and the second credit information acquired by the credit information inquiry means? Refinancing availability determination means for determining whether or not,
If the refinancing permission determination means determines that refinancing to the second financial institution is possible, the contract condition calculation means uses the attribute information acquired by the customer information acquisition means and / or the first transaction information. , And a loan agreement with the second financial institution when refinancing the debt related to the loan from the first financial institution to the second financial in accordance with the second credit information acquired by the credit information inquiry means 4. The refinancing server according to claim 2, wherein the contract condition is calculated. If the customer has a loan from a second financial institution, the second transaction from the second customer database that stores second transaction information regarding the history of past transactions between the customer and the second financial institution Transaction information receiving means for receiving information;
When refinancing application information is received by the refinancing application information receiving means, refinancing to a second financial institution based on the attribute information acquired by the customer information acquiring means and the second transaction information received by the transaction information receiving means The refinancing processing server according to claim 2, further comprising: a refinancing permission determination unit that determines whether or not the payment is possible. If the customer has a loan from a second financial institution, the second transaction from the second customer database that stores second transaction information regarding the history of past transactions between the customer and the second financial institution Transaction information receiving means for receiving information,
In accordance with the attribute information acquired by the customer information acquisition means and the second transaction information received by the transaction information receiving means, the contract condition calculation means outputs the debt related to the loan from the first financial institution to the second financial institution. 6. The refinancing server according to claim 2, wherein a contract condition relating to a loan contract with a second financial institution at the time of refinancing is calculated. When the customer refinances the debt related to the loan from the first financial institution to the second financial institution in accordance with the attribute information, the first transaction information and / or the first credit information acquired by the customer information acquisition means. Expected contract conditions for calculating the expected contract limit including the expected credit limit expected as the maximum borrowable amount and the expected interest rate as the interest rate in the loan contract in the loan contract with the second financial institution A calculation means;
The refinancing processing server according to any one of claims 2, 3, 4, 5 and 6, further comprising: an expected contract condition transmitting means for transmitting the expected contract condition calculated by the expected contract condition calculating means to the customer terminal. The contract condition calculation means includes a credit limit in the loan contract with the second financial institution when the customer refinances the debt related to the loan from the first financial institution to the second financial institution, and The contract conditions including the interest rate are calculated.
Condition comparison means for comparing the expected credit limit and the expected interest rate calculated by the expected contract condition calculation means with the credit limit and the interest rate calculated by the contract condition calculation means,
As a result of the comparison by the condition comparison means, when the credit limit is equal to or greater than the expected credit limit and the interest rate is less than the expected interest rate, the contract information transmission means transmits the contract information to the customer terminal, and the contract Second customer information transmitting means for transmitting customer information about the customer to a refinancing destination server or a refinancing destination terminal of the second financial institution without receiving the contract condition acceptance information by the condition acceptance information receiving means. The refinancing server according to claim 7. The customer information includes the loan amount that the first financial institution provides to the customer,
Claims comprising: payment information receiving means for receiving payment information for making payment from the second financial institution to the first financial institution from the refinancing destination server or the refinancing destination terminal. The refinancing processing server according to any one of 2, 3, 4, 5, 6, 7 or 8. The credit quality calculation means calculates attribute points according to the customer's attributes included in the attribute information, and calculates transaction points according to the progress of the transaction between the customer and the first financial institution included in the first transaction information. In addition, the ratio between the customer's annual income included in the attribute information and the total amount of borrowings from the customer's multiple financial institutions included in the first credit information, and the customer included in the first credit information The credit information points are calculated according to the number of financial institutions that are borrowing, and the value obtained by adding the calculated attribute points, transaction points, and / or credit information points is calculated as the credit quality. The refinancing server according to any one of claims 1, 2, 3, 4, 5, 6, 7, 8, or 9. The credit quality calculation means calculates attribute points according to the size and / or family composition of the customer's employer included in the attribute information, and the customer's employment status included in the attribute information, and is included in the first transaction information The transaction points are calculated according to the transaction between the customer and the first financial institution, and the credit information according to the number of financial institutions that the customer borrows is included in the first credit information. A point is calculated, and a value obtained by adding the calculated attribute point, transaction point, and / or credit information point is calculated as a credit rating. Claims 1, 2, 3, 4, 5, 6, 7 , 8, 9 or 10. A refinancing processing server that transmits refinancing guidance information to the customer terminal to the effect that it is possible to refinance the debt related to the loan to the second financial institution for the customer who receives the loan from the first financial institution; A refinancing system comprising a refinancing server and a customer terminal capable of communicating via a communication network,
Credit information storing attribute information relating to customer attributes, first transaction information relating to the course of the transaction between the customer and the first financial institution for the loan, and / or information relating to borrowing from a plurality of financial institutions by the customer A first customer database that stores first credit information about borrowing from multiple financial institutions in the past, obtained by querying a server;
The refinancing server
Customer information acquisition means for acquiring attribute information, first transaction information, and / or first credit information from a first customer database;
A credit quality calculating means for calculating the credit quality according to the attribute information acquired by the customer information acquiring means, the first transaction information, and / or the first credit information;
Refinancing guidance information transmitting means for transmitting refinancing guidance information regarding refinancing guidance to a second financial institution to a customer terminal possessed by the customer for a customer whose credit rating calculated by the credit rating calculating means exceeds a predetermined value;
Refinancing application information receiving means for receiving refinancing application information, which is an indication of customer's desire to refinance, from the customer terminal;
Upon receipt of the refinancing application information by the refinancing application information receiving means, the debt relating to the loan from the first financial institution is determined in accordance with the attribute information acquired by the customer information acquiring means and / or the first transaction information. A contract condition calculation means for calculating a contract condition for a loan contract with a second financial institution when refinancing to a financial institution;
Customer terminal
Refinancing guidance information receiving means for receiving the refinancing guidance information from the refinancing processing server;
A refinancing processing system comprising refinancing application information transmitting means for transmitting refinancing application information to a refinancing processing server in accordance with an input to a customer terminal by a customer. Furthermore, a refinancing destination server or a refinancing destination terminal that the second financial institution has,
The refinancing server
Contract information transmitting means for transmitting contract information including the contract conditions calculated by the contract condition calculating means to the customer terminal;
A contract condition acceptance information receiving means for receiving contract condition acceptance information, which is an intention to accept the customer's contract conditions, from the customer terminal;
When receiving the contract condition acceptance information by the contract condition acceptance information receiving means, the first customer information transmission means for transmitting the customer information about the customer to the refinancing destination server or the refinancing destination terminal,
Customer terminal
Contract information receiving means for receiving contract information from the refinancing processing server;
A contract condition acceptance information transmitting means for transmitting the contract condition acceptance information to the refinancing processing server in accordance with an input to the customer terminal by the customer;
The customer information includes the loan amount that the first financial institution provides to the customer,
The refinancing destination server or refinancing destination terminal
Customer information receiving means for receiving customer information from the refinancing server;
13. Payment information transmitting means for transmitting payment information for performing payment of the same amount as the loan amount included in the customer information received by the customer information receiving means from the second financial institution to the first financial institution. Refinancing system.

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